Minnesota Health Insurance

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Minnesota Care

Minnesota Care MNCare Post 2014 - is a subsidized health care program for low- income people who live in Minnesota and do not have access to affordable health insurance. MNCare was created in 1992 by the Minnesota Legislature and is administered by the Minnesota Department of Human Services. It is funded by a state tax on Minnesota hospitals and health care providers, federal Medicaid matching funds and enrollee premiums. MNCare provides an alternative to private market plans for low income residents of MN. Generally those individual and families that are between 138% - 200% of the Federal Poverty Level (FPL) are considered to be eligible for MinnesotaCare. If your estimated 2014 "Modified Adjusted Gross Income" is more than 200% of the FPL, but less than 400% of the FPL you may be eligible for advanced premium tax credit (subsidy to reduce your monthly premium). If your income is greater than 400% of the FPL you will not be eligible for a premium reduction. You can get instant Quotes on MN Health Insurance Plans here, or you can Contact one of our certified MNSure assistors for help in evaluating your health plan options.

Calculate your FPL and Possible Premium Tax Credit

Minnesota Care MNCare 2014 - The Minnesota Legislature recently enacted major changes to the Medical Assistance (MA) and MinnesotaCare programs. Some of these changes were required to comply with the federal Affordable Care Act (ACA) while others were for better access to coverage for low-income Minnesotans.

The following is a brief overview of the legislative changes to MNCare that will take effect on January 1, 2014

  • Individuals with income of 200% FPG or below and who are not eligible for MA will be eligible for MinnesotaCare.
  • Individuals will be subject to the MAGI income methodology.
  • The asset limit for adults will be eliminated.
  • The $10,000 annual cap for inpatient hospital services will be eliminated.
  • The $1,000 maximum co-pay on inpatient hospital services will be eliminated.
  • Premiums for MinnesotaCare enrollees will be significantly reduced.
  • The 4-month and 18-month waiting periods to enroll or re-enroll in MinnesotaCare are eliminated.
  • Eligibility information (such as income) must be verified electronically when feasible.
  • Individuals will be able to apply for MinnesotaCare via the MNSure website, telephone, mail, or in person.

How much does MinnesotaCare Cost? - MinnesotaCare does have a monthly premium fee based on your income, and has small co-pays for services. To see more information on premiums MinnesotaCare Premium Estimator Table

Minnesota Care MNCare Pre 2014 - is a subsidized health care program for people who live in Minnesota and do not have access to health insurance. MNCare was created in 1992 by the Minnesota Legislature and is administered by the Minnesota Department of Human Services. It is funded by member premiums, the State of Minnesota, and a tax on health care providers. MNCare provides an alternative to private market plans for low income residents of MN. Get Free Instant Quotes on MN Health Insurance Plans here.

  • Minnesota Care Members pay a monthly premium based on income and family size
  • Minnesota Care Coverage includes medical care, dental care, mental health, and chemical dependency services
  • Minnesota Care Applicants must meet income, asset and program guidelines to qualify.
  • Minnesota Care Health care coverage begins the month after you pay your first premium.

To qualify, you must have a Social Security number, live in Minnesota, be a U.S. citizen, and not have other health care insurance now or in the last four months, including Medicare.

Click here for more information about eligibility requirements.

The income limits specified below are in effect through June 30, 2009.

Adults over 21; no children
Family Size Monthly Gross Income Limit
1 $1,734
2 $2,334

Click here to see income limits for pregnant women, parents, or legal guardians of children under 21 years of age.

There is no asset limit for pregnant women and children under 21. For all others, the asset limit is $10,000 for a family of one and $20,000 for a family of two or more.

Common Assets:

  • Cash
  • Savings and checking accounts
  • Stocks and bonds
  • Motor vehicles not used for work
  • Recreational vehicles
  • Land or houses you do not live in

Assets that are not included:

  • House you live in
  • Personal goods such as clothing, furniture, jewelry, and appliances
  • Motor vehicles used for work
  • Pension and retirement funds

The following is a list of some basic services provided to members.

  • Doctor and health clinic visited for preventive care (non-preventive care may have a co-pay)
  • Family planning
  • Immunizations
  • Laboratory and X-Ray services
  • Outpatient surgery
  • Chiropractic care
  • Eye exams (possible co-pay)
  • Mental health services (co-pay for adults)
  • Emergency room ($50.00 co-pay for some adults)
  • Prescriptions ($3.00 co-pay for non-pregnant adults)
  • Hospitalization
  • Eyeglasses (co-pay)
  • Dental Services

For more information about what is and is not covered, click here.

All MNCare members pay a monthly premium. This premium must be paid to keep the health care coverage. Premiums are based on household size, income, and number of people covered.

Table of Premiums
Premiums can be paid online, by mail, in person, or through an automatic withdrawal plan from a savings or checking account.

Click here to find out where to pay premiums by mail, online or in person.

You can fill out an application for MNCare online, or have an application sent to you by mail. A representative will review your application and determine eligibility and contact you within 30-45 days.

Click here for more information on how to obtain an application.

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